1. the professional account managaments are being disputed via transunion. these were deleted through experian a few weeks ago, but, the CRA don't share info, so i had to doa sepearate dispute

2. the AFNI one for $155..... afni said that has been sent back to the OC (verizon). idk what to do about that one

3. the bureau of collections one is being disputed through transunion. i paid the OC (at&t) almost a month ago but i want this off

4. the first premier bank for $440........... i PIF 3 days ago

5. the 1st and 2nd southwest credit systems was another CA for the same at&t account. AT&ts fraud department got a call from me yesterday. about it showing up a 2nd time on my CR now with a balance of $663!!. when i paid at&t back in septemeber, they told me they would get in contact with bureau of collection and southwest credit systems to let them know i paid in full.

so............. looking at these negatives, what would you say is keeping my score down?

Until these are no longer on your report, they will continue to keep your score down no matter what CL's you have. I would continue to focus on trying to get these accounts off your report. But, be careful, you can open up cans of worms that you do not want. I have absolutely no experience in removing derogatory information on a CR, I would highly suggest you post over in the Rebuilding forum to get someone that might be able to help you better.

Re: using my unsecured to increase score.........

If had experience with Professional Accts and for me those were parking tickets...I paid and had them removed. As of right now from what I read you have paid them and are waiting till they get removed. I would play the waiting game and just wait till they are removed and pull your credit report again. As of right now if you said they were paid its up to the CA to remove them.

As for AFNI (DirectTV) I had helped a friend out with getting AFNI removed. Obviously he did a PIF with Direct TV and are waiting fr the removal)

Re: using my unsecured to increase score.........

If had experience with Professional Accts and for me those were parking tickets...I paid and had them removed. As of right now from what I read you have paid them and are waiting till they get removed. I would play the waiting game and just wait till they are removed and pull your credit report again. As of right now if you said they were paid its up to the CA to remove them.

As for AFNI (DirectTV) I had helped a friend out with getting AFNI removed. Obviously he did a PIF with Direct TV and are waiting fr the removal)

Good luck

yes the professional account management ones were from old parking tickets. i did a dispute online with experian and they were deleted off ( i never paid them). now i'm waiting for the dispute results from TU

Re: using my unsecured to increase score.........

If had experience with Professional Accts and for me those were parking tickets...I paid and had them removed. As of right now from what I read you have paid them and are waiting till they get removed. I would play the waiting game and just wait till they are removed and pull your credit report again. As of right now if you said they were paid its up to the CA to remove them.

As for AFNI (DirectTV) I had helped a friend out with getting AFNI removed. Obviously he did a PIF with Direct TV and are waiting fr the removal)

Good luck

yes the professional account management ones were from old parking tickets. i did a dispute online with experian and they were deleted off ( i never paid them). now i'm waiting for the dispute results from TU

You know you not paying them means the liklihood of it coming back! I would suggest you paying those as well...just a FYI

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